Visa · Custodial · Full KYC · Virtual and Physical

Crypto.com Visa Card (Europe): Fees, Limits and Cashback

Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU) that does not publish its conversion fee. The FX markup on foreign-currency spending is 2%, and cashback reaches 5% on higher tiers. There is no annual fee. It is offered in 30 countries.

Verified September 28, 2026Issued by Crypto.com (Foris DAX MT Limited in the EU)

46/100

Overall rating

Countries offered

Free

Annual fee

Not disclosed

Conversion fee

FX markup

0% to 5%

Cashback

59/100

Safety score · Fair

Crypto.com Card pros and cons

Pros

No annual or monthly fee on the base tier
Cashback up to 5% on higher tiers
Works with Apple Pay and Google Pay
Free virtual card

Cons

Conversion fee not published
2% FX markup on foreign-currency spending

Crypto.com Card fees and limits

Virtual card	Free
Physical card	€4.99
Annual fee	Free
Monthly fee	None
Crypto conversion fee	Not disclosed
FX markup	2%
Fee on purchases in EUR	None
ATM withdrawals	2% after €200 free a month
Daily spending limit	€25,000
Monthly spending limit	€25,000
Daily ATM limit	€2,000
Card currency	EUR

"Not disclosed" means Crypto.com Card does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

Crypto.com Card cashback and rewards

Tier	Rate	Paid in	Monthly spend cap	Requirement
Basic (Midnight)	0%	CRO	$0	None
Plus (Ruby)	2%	CRO	None published	€3.99 a month, or €450 of CRO staked for 12 months
Pro (Jade/Indigo)	3%	CRO	None published	€24.99 a month, or €4,500 of CRO staked for 12 months
Private (Icy/Rose)	4%	CRO	None published	€45,000 of CRO staked for 12 months
Private (Obsidian)	5%	CRO	None published	€450,000 of CRO staked for 12 months

Rewards are paid in CRO under Crypto.com's Level Up plans. Plus and Pro can be paid by subscription (€3.99 or €24.99 a month) or a 12-month CRO stake (€450 or €4,500); Private needs €45,000 or €450,000 of CRO staked for 12 months. Plus rewards are capped at $25 a month and Pro at $75.

What Crypto.com Card costs over a year

Yearly cost: conversion, FX, ATM and fixed fees minus cashback, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month. A minus sign means cashback outweighs fees.

Monthly spending	Yearly cost	Tier used
$500	≥ $24	Basic (Midnight)
$2,000	≥ $96	Basic (Midnight)
$5,000	≥ $240	Basic (Midnight)

Run it with your own numbers in the card cost calculator.

Crypto.com Card Apple Pay, Google Pay and ATM withdrawals

Crypto.com Card works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. ATM withdrawals: 2% after €200 free a month, up to €2,000 a day. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where Crypto.com Card is available

Crypto.com Card is offered in the 30 countries below. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.

Supported countries (30)

Austria
Belgium
Bulgaria
Croatia
Cyprus
Czechia
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden

The crypto card finder lists every card we track by country.

Topping up Crypto.com Card

Crypto.com Card tops up with USDT, USDC, BTC and ETH. The conversion fee is not published. The card is custodial, so the provider holds your card balance.

Coins it accepts: USDT, USDC, Bitcoin, Ethereum

How to get the Crypto.com Card

Check that you live in a country where Crypto.com Card is offered (see the list above).
Download the Crypto.com app and complete identity verification with a government ID and a selfie check.
Top up with USDT, USDC, BTC and ETH.
Issue the virtual card for free and add it to Apple Pay or Google Pay.
Order the physical card for €4.99 if you need ATM withdrawals or chip and PIN payments.

Crypto.com Card overall rating

Crypto.com Card rates 46/100 in our crypto card ranking.

Factor	Detail	Points
Reach	30 countries	15.5 / 40
Yearly cost	$96 a year at $2,000 a month	12.6 / 30
Safety	59/100	17.7 / 30

Is Crypto.com Card safe?

Crypto.com Card scores 59/100 (Fair) in our safety check. Issuer: Crypto.com (Foris DAX MT Limited in the EU). Licensing: MiCA crypto-asset service provider authorisation, Malta Financial Services Authority.

The e-money institution that issues the European card is not named on Crypto.com's public fee pages.

Full Crypto.com Card safety report

Compare Crypto.com Card with other cards

Crypto.com Card also appears in

Frequently asked questions

What are the Crypto.com Card fees?

Crypto.com Card charges a conversion fee it does not publish, a 2% FX markup on foreign-currency spending, no annual fee. The virtual card is free and the physical card costs €4.99. Its ATM fee is listed in the fees table on this page.

Is Crypto.com Card available in the US?

No. Crypto.com Card does not offer the card to US residents. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.

Does Crypto.com Card have cashback?

Yes. Crypto.com Card pays 0% to 5%. Rewards are paid in CRO under Crypto.com's Level Up plans. Plus and Pro can be paid by subscription (€3.99 or €24.99 a month) or a 12-month CRO stake (€450 or €4,500); Private needs €45,000 or €450,000 of CRO staked for 12 months. Plus rewards are capped at $25 a month and Pro at $75.

What is the Crypto.com Card ATM withdrawal fee?

Crypto.com Card charges 2% after €200 free a month per ATM withdrawal. The daily ATM limit is €2,000. ATM operators may add their own fee.

Does Crypto.com Card work with Apple Pay and Google Pay?

Yes. Crypto.com Card supports both Apple Pay and Google Pay.

Is Crypto.com Card safe?

Crypto.com Card scores 59/100 (Fair) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

Crypto.com Card fees · checked September 24, 2026
Crypto.com Card cashback · checked September 28, 2026
Crypto.com Card terms and licensing · checked September 24, 2026